TechTalk

Expert commentary and analysis on market developments. Plus guidance on identifying planning opportunities.

In this techtalk

See how your business could benefit as our Financial Planning team
looks at a range of topics on protection.

Pensions and the 2020 budget

A roundup of the 2020 Budget changes that affect pensions.

MENTAL HEALTH AND FINANCIAL PROTECTION

We consider mental health implications for financial protection and how we can improve the application process for consumers.

CHANGING RETIREMENT INCOME NEEDS: A SMILE OR A WAVE?

Theories of retirement income needs, the impact of pension freedoms, and the implications for you and your clients.

DIVORCE – PENSION SHARING & EARMARKING

The key tax consequences of implementing pension sharing and earmarking orders.

ANNUITIES – SECURING A LIFETIME INCOME

Annuity options explained, in light of a new focus on using them as one element of a client’s retirement income package.

PENSIONS FREEDOMS FIVE YEARS ON – DRAWDOWN IN THE TIME OF CORONA

We consider some potential impacts of the coronavirus crisis in light of retirement income data from the first five years of pension freedoms.

ROLE OF HOUSING IN RETIREMENT

An individual’s homeownership status in retirement has a huge impact on their financial position. Scottish Widows’ sponsored Pensions Policy Institute research considers the implications.

TAPERED ANNUAL ALLOWANCE – POST APRIL 2020

We explain the key implications of the Budget amendments to the tapered annual allowance.

TAX BENEFITS OF DRIP-FEED DRAWDOWN

A brief look at how drip-feed drawdown can be used to enhance the tax-efficiency of withdrawals from personal pensions.

DEFINED BENEFIT ADVICE AND PS 20/06 – THE RISE OF THE FCA

We take an expert look at the FCA’s latest DB advice rule changes – including the contingent charging ban, the related carve-outs, and where the workplace pension scheme comparison fits in.

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